topic Re: Bankamericard (beige) 0% card in Credit Cards

Bankamericard (beige) 0% card

Anonymous — Thu, 28 Apr 2016 13:12:41 GMT

I thought this beige card was CALLED Bankamericard and CR TR etc. were not, but my research trying to search for info on this particular card shows I was wrong. So since this card has no real name, it's hard to find info on it.

I got a mailer that's even better than the advertised offer on their site: 21 months (site says 18) and 11.24% after the 0% (the best they offer). I was going to utilize a combo of existing account 0% offers and some 8% cards and PLOC as the current 0% offers end. My scores are a few points lower than my sig and DH's are probably in the low 700's. I was going to push most of the debt to me (on existing things) hoping that as his score went up, he might pick up CSP (nearly 5/24 eligible) and then do a 0% and transfer anything at 8% back.

Questions:

Does this have a better rep than Slate for usable SL?

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit?

Is it PC'able after the fact to something useful?

Anything else someone has to say about this card/offer?

(Don't throw tomatoes) Same day I got an Alaska offer that is the only BofA card I've really thought of getting, do they do 2 for 1 on a pull like Chase? (I doubt I'd do it but I have to ask.)

Re: Bankamericard (beige) 0% card

Anonymous — Thu, 28 Apr 2016 20:05:39 GMT

Thought of another question, I wonder if there are on-going offers on this card or after the 60 day window, is it just a blah card?

Re: Bankamericard (beige) 0% card

Anonymous — Thu, 28 Apr 2016 21:28:53 GMT

They do do 2 for 1 apps like Chase. HPs should combine. BoA has let me carry balances up to my limit for years. Current APR is 7.24%, but get 0% offers for 18 months regularly. I think that as long as your income supports it, they will leave you alone.

Re: Bankamericard (beige) 0% card

Anonymous — Thu, 28 Apr 2016 23:22:41 GMT

@Anonymous wrote:
They do do 2 for 1 apps like Chase. HPs should combine. BoA has let me carry balances up to my limit for years. Current APR is 7.24%, but get 0% offers for 18 months regularly. I think that as long as your income supports it, they will leave you alone.

Thanks!

Re: Bankamericard (beige) 0% card

NRB525 — Fri, 29 Apr 2016 01:54:41 GMT

@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 14:23:23 GMT

@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 16:41:54 GMT

@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 16:48:41 GMT

@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 17:04:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.

was it an instant approval? if so, go for a BBR!!

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 17:07:31 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!

It was, but I don't want the hassle/AAoA hit of a BBR. I wouldn't mind an Alaska, but right now isn't the right time (new puppy so not a lot of air travel in our future). Next year likely. I'm fine with the HP for the one $11k card.

ETA: Seems like its anyone's guess as to what they will pull in CA.

Re: Bankamericard (beige) 0% card

kdm31091 — Sat, 30 Apr 2016 17:06:35 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!

I think OP is trying not to app for further things

Just because HPs will/may combine doesn't mean it's always a good time to add more accounts.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 17:08:20 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!
It was, but I don't want the hassle/AAoA hit of a BBR. I wouldn't mind an Alaska, but right now isn't the right time (new puppy so not a lot of air travel in our future). Next year likely. I'm fine with the HP for the one $11k card.

Congrats! That is not a bad setup either a decent low apr post promo and a good starting limit for BOA. I see a 20k limit in the next 6 months in your future!

Also dont fret with BOA about getting the BTs done by a certain time. They send copious amounts of bt checks, to the point its almost annoying. And watch out they send out different offers all the time, from 12-18 months.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 17:09:44 GMT

@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!
I think OP is trying not to app for further things

Just because HPs will/may combine doesn't mean it's always a good time to add more accounts.

I know that. I am just an advocate of combining especially with scores and prequals like that, its almost a guarantee. But yess, not for everyone, affects AAOA, etc etc. Proceed with caution.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 17:10:39 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!
It was, but I don't want the hassle/AAoA hit of a BBR. I wouldn't mind an Alaska, but right now isn't the right time (new puppy so not a lot of air travel in our future). Next year likely. I'm fine with the HP for the one $11k card.
Congrats! That is not a bad setup either a decent low apr post promo and a good starting limit for BOA. I see a 20k limit in the next 6 months in your future!

Also dont fret with BOA about getting the BTs done by a certain time. They send copious amounts of bt checks, to the point its almost annoying. And watch out they send out different offers all the time, from 12-18 months.

Yeah, that's what I'm hoping for. We're still jockeying a good deal of our (more than double our original budget) kitchen remodel and REALLY need some other things done around the house. So I'm going to be carrying balances for the forseeable future. I've lined up $55k at 8% available (not using it) but 0% is even better.

Re: Bankamericard (beige) 0% card

Anonymous — Sat, 30 Apr 2016 18:16:31 GMT

Congratulations and good luck with your renovations.😀

Re: Bankamericard (beige) 0% card

UncleB — Sat, 30 Apr 2016 23:16:15 GMT

Congrats on your new approval!

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bankamericard-beige-0-card-Approval/td-p/4572351